JORA CONSULT
ActiveSummary
JORA CONSULT has been active since 2018 and the Belgian State Gazette contains no insolvency or warning signals. The 2025 annual accounts show equity of €413,858 and a net result of €72,319. Equity is growing by ~18.1% per year across the filed fiscal years. Its solvency ranks better than 95% of 17239 sector peers (fiscal year 2025). The computed 12-month bankruptcy probability is 0.2% (very low).
Checked score
Score 2025
Axes · tick = 2024
Profitability90▼-1
Solvency100=
Growth52=
Track record100
Bankruptcy probability, 12 months
0.2%
Very low
0%0.5%1.5%4%10%≥ 25%
Credit up to €35,000 at 30 days acceptable
short-term debt: 1% and cash: 62.1% of total assets, and 1% of the assets are financed with debt.
Credit check for your own amount and term
Show the recommended maximum : and see how the verdict changes with amount, term and advance.
Signals
Four signals. The signal on the left, the evidence on the right.
−lowers risk+raises risk○neutral
lowers risk · Lower-failure-rate sector
In this sector companies fail less often than the Belgian average.
Gazette · bankruptcies per sector, NACE 62
Relative position
BE, all sectors
reference
Computer programming, consultancy and related activities (NACE 62)
about 64% fewer bankruptcies
← fewer bankruptcies
more bankruptcies →
lowers risk · Annual accounts: healthy financial profile
The latest annual accounts show a healthy profile in solvency, result and liquidity.
NBB · annual accounts 2025Solvency, return and age of the figures
Solvency
99%
Return on assets
17.3%
Age of the figures
18 mo
raises risk · Limited track record
This company has not been active as long as an established one and statistically fails somewhat more often.
KBO · incorporation dateAge against the risk zone
neutral · Latest accounts filed on time
The financial year that closed on 31-03-2025 was due by 31-10-2025 and was filed on 28-10-2025, 3 days ahead of the deadline.
NBB · 6 filingsDeviation from the deadline
2025
3 d early
2024
1 d early
2023
1 d early
2022
24 d early
2021
5 d early
2020
3 d early
← before the deadline
after the deadline →
tick = median of all Belgian filingsring = median in the sector
This company filed its last 6 accounts on average 6 days before the deadline; the sector median for financial year 2024 is 9 days before the deadline, and 33% of the sector filed late.
Checked, nothing found (2)
neutral · The next deadline is still running
The next financial year closes on 31-03-2026 and is due by 31-10-2026. Nothing is late today. Usually files around 28 October (5 of the last 5 filed years within 30 days of that day).
Companies Code · seven monthsPosition in the running window
31-03-2026 close30-09-2026 today31-10-2026 deadline
History
Go further with this company
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Financials · fiscal year 2025, micro schema
In the rankings
#8 company by equity in Kortenberg, Telecoms and IT sector
Equity
€413,858▲ 21.2%
2024 · €341,539
Total assets
€417,996▲ 19.0%
2024 · €351,150
Net result
€72,319▲ 16.5%
2024 · €62,059
Working capital
€412,491▲ 21.6%
2024 · €339,127
Trend over the years
In euros
In per cent
Ratio
In euros
No line ticked in this group.
In per cent
No line ticked in this group.
Ratio
No line ticked in this group.
Untick a line to hide it. Point at a year (or use the arrow keys on the chart) for the exact figures; the table below gives them all.Sector: the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings. Dashed line: the median. Available for Net result, Equity, Total assets, Working capital, Solvency, Current ratio, Return on assets (ROA).
Every figure with its change against the fiscal year before
favourable
unfavourable
Line20212022202320242025
Operating result€101,556▼ 42.0%€70,135▼ 30.9%€98,844▲ 40.9%€86,466▼ 12.5%€76,272▼ 11.8%
Net result€99,882above the sector's middle half▼ 20.2%€52,350above the sector's middle half▼ 47.6%€70,471above the sector's middle half▲ 34.6%€62,059above the sector's middle half▼ 11.9%€72,319above the sector's middle half▲ 16.5%
Equity€219,070above the sector's middle half▲ 83.8%€271,420above the sector's middle half▲ 23.9%€341,891above the sector's middle half▲ 26.0%€341,539above the sector's middle half▼ 0.1%€413,858above the sector's middle half▲ 21.2%
Total assets€258,839within the sector's middle half▲ 36.0%€296,626above the sector's middle half▲ 14.6%€346,150above the sector's middle half▲ 16.7%€351,150above the sector's middle half▲ 1.4%€417,996above the sector's middle half▲ 19.0%
Debt€39,769▼ 44.1%€25,207▼ 36.6%€4,259▼ 83.1%€9,611▲ 126%€4,138▼ 56.9%
Working capital€190,015above the sector's middle half▲ 142%€252,503above the sector's middle half▲ 32.9%€334,034above the sector's middle half▲ 32.3%€339,127above the sector's middle half▲ 1.5%€412,491above the sector's middle half▲ 21.6%
Solvency84.6%above the sector's middle half▲ 22.0pp91.5%above the sector's middle half▲ 6.9pp98.8%above the sector's middle half▲ 7.3pp97.3%above the sector's middle half▼ 1.5pp99.0%above the sector's middle half▲ 1.7pp
Current ratio5.78above the sector's middle half▲ 3.6811.10above the sector's middle half▲ 5.3283.19above the sector's middle half▲ 72.0936.28above the sector's middle half▼ 46.90
Return on assets (ROA)38.6%above the sector's middle half▼ 27.2pp17.6%within the sector's middle half▼ 20.9pp20.4%within the sector's middle half▲ 2.7pp17.7%within the sector's middle half▼ 2.7pp17.3%within the sector's middle half▼ 0.4pp
above
within
below
the middle half (P25 to P75) of NACE 62, Computer programming, consultancy and related activities, each year against the same schema; no band under 30 filings.
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result has fallen two years in a row; 2025 is 12% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €417,996
Fixed assets
€1,367 ▼ 43.3%
Current assets
€416,629 ▲ 19.5%
Equity and liabilities €417,996
Equity
€413,858 ▲ 21.2%
Debt
€4,138 ▼ 56.9%
Debt's share of the balance-sheet total falls from 2.7% to 1.0%. Equity is higher and debt is lower.
Key figures and ratios
EBITDA
€77,316▼
2024 · €92,525
Cash flow
€73,363▲
2024 · €68,118
Debt to equity
0.01▼
2024 · 0.03
ROE
17.5%▼
2024 · 18.2%
Interest coverage
78.64▲
2024 · 8.86
Debt ≤ 1 year
€4,138▼
2024 · €9,611
Income taxes
€34,751▲
2024 · €25,300
A ratio outside any meaningful range has been withheld (balance sheet total €417,996, equity €413,858).
Green means a favourable move, even when the figure itself falls: as with debt or debt to equity.
Peer companies
Historical observationOf the 26,975 companies that looked in July 2024 the way this one looks now, 1.6% went bankrupt within 24 months and 95% are still going.
- Micro
- 5 to 10 years old
- solvency 30% or more
- a profit of 5% of the balance sheet or more
1.6%
went bankrupt
3.4%
stopped otherwise
95%
still going
A further 0.1% stopped, but we cannot tell whether within those 24 months.
For this company itself Checked computes a lower bankruptcy probability: 0.2% over twelve months. The score reads more about this company than the group's four characteristics; both figures are right about what they measure.
How reliable is this rule?
Tested on the year before, without using that year itself: the groups of July 2023 gave each of the 497,340 companies of July 2024 its group's bankruptcy share. Expected: 1.6%; actually bankrupt within 24 months: 1.7%.
| Group | Expected | Actual |
|---|---|---|
| 1 | 0.2% | 0.2% |
| 2 | 0.3% | 0.5% |
| 3 | 0.5% | 0.6% |
| 4 | 0.7% | 0.8% |
| 5 | 0.9% | 1.0% |
| 6 | 1.3% | 1.5% |
| 7 | 1.6% | 1.8% |
| 8 | 1.8% | 1.8% |
| 9 | 3.0% | 3.1% |
| 10 | 5.6% | 6.2% |
The rule ranks well: a company that went bankrupt got a higher share than one that kept going in 74% of comparisons. The level follows the economy: in a year with more bankruptcies, the actual share is higher than the year before.
An observation about 26,975 comparable companies, not a prediction for this company. The sector does not count: the register keeps no sector for companies that stopped, so it would make the outcome look better than it was.
Annual accounts
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630 | €12,425 | €12,535 | €12,903 | €6,059 | €1,044 | ▼ 82.8% |
| Other operating charges640/8 | - | €633 | €596 | €757 | €755 | ▼ 0.2% |
| Non-recurring operating charges66A | - | - | - | €210 | - | - |
| Gross operating margin9900 | €114,211 | €83,304 | €112,343 | €93,492 | €78,071 | ▼ 16.5% |
| Operating profit (loss)9901 | €101,556 | €70,135 | €98,844 | €86,466 | €76,272 | ▼ 11.8% |
| Financial income75/76B | - | €3,443 | €5,162 | €11,337 | €31,783 | ▲ 180% |
| Recurring financial income75 | €29,227 | €3,443 | €5,162 | €11,337 | €10,905 | ▼ 3.8% |
| Non-recurring financial income76B | - | - | - | - | €20,878 | - |
| Financial charges65/66B | - | €794 | €14,956 | €10,444 | €983 | ▼ 90.6% |
| Recurring financial charges65 | €1,040 | €754 | €1,205 | €10,444 | €983 | ▼ 90.6% |
| Non-recurring financial charges66B | - | €40 | €13,751 | - | - | - |
| Profit (loss) for the period before taxes9903 | €137,742 | €72,783 | €89,051 | €87,359 | €107,071 | ▲ 22.6% |
| Income taxes67/77 | €37,861 | €20,434 | €18,580 | €25,300 | €34,751 | ▲ 37.4% |
| Profit (loss) for the period9904 | €99,882 | €52,350 | €70,471 | €62,059 | €72,319 | ▲ 16.5% |
| Profit (loss) for the period to be appropriated9905 | €99,882 | €52,350 | €70,471 | €62,059 | €72,319 | ▲ 16.5% |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Assets | ||||||
| Total assets20/58 | €258,839 | €296,626 | €346,150 | €351,150 | €417,996 | ▲ 19.0% |
| Fixed assets21/28 | €29,054 | €19,112 | €8,052 | €2,411 | €1,367 | ▼ 43.3% |
| Tangible fixed assets22/27 | €29,054 | €19,112 | €8,052 | €2,411 | €1,367 | ▼ 43.3% |
| Land and buildings22 | - | - | €1,573 | - | - | - |
| Plant, machinery and equipment23 | - | - | - | €1,205 | €836 | ▼ 30.6% |
| Furniture and vehicles24 | - | €19,112 | €6,479 | €1,207 | €531 | ▼ 56.0% |
| Current assets29/58 | €229,785 | €277,514 | €338,098 | €348,739 | €416,629 | ▲ 19.5% |
| Amounts receivable within one year40/41 | €35,384 | €11,785 | €20,676 | €11,810 | €9,284 | ▼ 21.4% |
| Trade receivables40 | - | €11,390 | €12,510 | €11,392 | €8,715 | ▼ 23.5% |
| Other amounts receivable41 | - | €395 | €8,166 | €418 | €569 | ▲ 36.1% |
| Current investments50/53 | €104,605 | €121,244 | €147,205 | €135,126 | €147,106 | ▲ 8.9% |
| Cash at bank and in hand54/58 | €89,257 | €143,858 | €169,557 | €201,095 | €259,747 | ▲ 29.2% |
| Deferred charges and accrued income490/1 | - | €628 | €661 | €707 | €492 | ▼ 30.5% |
| Equity and liabilities | ||||||
| Total equity and liabilities10/49 | €258,839 | €296,626 | €346,150 | €351,150 | €417,996 | ▲ 19.0% |
| Equity10/15 | €219,070 | €271,420 | €341,891 | €341,539 | €413,858 | ▲ 21.2% |
| Contributions10/11 | - | €11,011 | €11,011 | €18,600 | €18,600 | = |
| Reserves13 | €208,059 | €260,408 | €330,879 | €322,939 | €395,258 | ▲ 22.4% |
| Distributable reserves133 | - | €260,408 | €330,879 | €322,939 | €395,258 | ▲ 22.4% |
| Amounts payable17/49 | €39,769 | €25,207 | €4,259 | €9,611 | €4,138 | ▼ 56.9% |
| Amounts payable within one year42/48 | €39,769 | €25,012 | €4,064 | €9,611 | €4,138 | ▼ 56.9% |
| Trade debts44 | €1,428 | €1,513 | €1,380 | €1,833 | €2,028 | ▲ 10.6% |
| Suppliers440/4 | - | €1,513 | €1,380 | €1,833 | €2,028 | ▲ 10.6% |
| Taxes, remuneration and social security45 | - | €21,259 | €1,775 | €7,537 | €2,030 | ▼ 73.1% |
| Taxes450/3 | - | €19,899 | €335 | €7,537 | €2,030 | ▼ 73.1% |
| Remuneration and social security454/9 | - | €1,360 | €1,440 | - | - | - |
| Other amounts payable47/48 | - | €2,240 | €910 | €240 | €80 | ▼ 66.7% |
| Accrued charges and deferred income492/3 | - | €195 | €195 | - | - | - |
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | Change |
|---|---|---|---|---|---|---|
| Profit (loss) for the period9904 | €99,882 | €52,350 | €70,471 | €62,059 | €72,319 | ▲ 16.5% |
| + Depreciation and write-downs630 | €12,425 | €12,535 | €12,903 | €6,059 | €1,044 | ▼ 82.8% |
| Operating cash flow (approximation) | €112,307 | €64,885 | €83,374 | €68,118 | €73,363 | ▲ 7.7% |
| Investment in fixed assets (approximation) | - | -€2,593 | -€1,843 | -€419 | €0 | ▲ 100% |
| Change in cash | - | €54,601 | €25,699 | €31,539 | €58,652 | ▲ 86.0% |
Simplified and derived: a Belgian filing has no cash-flow statement, so these rows come from the income statement and the balance-sheet moves.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2025
28-10
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 100.68
Current ratio from 36.28 to 100.68; short-term debt falls from €9,611 to €4,138.
2024
30-10
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2023
30-10
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
31-03
Financial
Liquidity times 7current ratio 83.19
Current ratio from 11.10 to 83.19; short-term debt falls from €25,012 to €4,064.
2022
07-10
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
31-03
Financial
Weakest financial yearnet €52,350 ▼47.6%
Net result drops to €52,350, the lowest in the series; recovery starts the following year.
2021
26-10
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
31-03
Financial
Liquidity triplescurrent ratio 5.78
Current ratio from 2.10 to 5.78; short-term debt falls from €71,183 to €39,769.
31-03
Financial
Equity above €200,000Eq €219,070 ▲83.8%
2 profitable years in a row build equity to €219,070.
2020
28-10
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
0 of 2 acts read
About the unread acts
We know of 2 Belgian State Gazette acts for this company. None of them has been read yet: what they contain is neither established nor disproved here.
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Directors · office · real estate
Directors
2 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Kortenberg · 1 establishment unit since 2018
Ground area
588 m²
Building footprint
151 m²
Volume, LiDAR
817 m³
Parcel 24055A0079/00D002, Flanders · tallest building 8.7 m, ±2 floors. Linked by address, not a title deed.
1 establishment unit
Jora Consult
since 20182.279.024.896
1 parcel
Flanders
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 24055A0079/00D002 | Flanders | 588 m² | 1 · 151 m² | 8.7 m · 2 fl. |
Linked by address, not proof of ownership
Good to know
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
Recognitions · licences · registrations
Legal Entity Identifier
254900NXJXD8PQG9MS39
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Of 29,996 companies in sector 62200 we hold annual accounts for 18,397. 12,731 are within a factor 10 of this equity. The 5 above are the closest to it. See the whole sector
Identification & contact
Identification
Legal formPrivate limited company
Founded29-08-2018
Fiscal year end31-03
Activities, NACEBEL 2025
62200Computer consultancy and computer facilities management
E-invoicing
Reachable via Peppol
Peppol ID
0208:0701878637
Also
9925:BE0701878637
Registered
03-12-2025
If you follow this company, Checked tells you the day it leaves the Peppol register.
Register as of 30 September 2026 · Peppol Directory
Scores and ratios are computed by Checked and are not a credit decision.